2020 HRK to CNY Historical Review

YEARLY HIGH

1.1113 CNY

YEARLY LOW

0.9948 CNY

YEARLY AVERAGE

1.0443 CNY

2020 HRK to CNY Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to CNY exchange rate experienced significant fluctuation. The market reached its absolute peak on July 30, valuing the pair at 1.1113. Conversely, the yearly low was recorded on March 19, dropping to 0.9948.

This high-to-low spread represents a total annual volatility of 0.1165 CNY. From a start-to-finish perspective, comparing the January average rate of 1.0329 to the December average rate of 1.0557, the exchange rate registered a net change of 2.21% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 1.1113 was up 3.18% compared to the 2019 peak of 1.0771, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 HRK based on timing:

Yearly Peak High 5,557 CNY

2019 Average 5,213 CNY

Yearly Trough Low 4,974 CNY

Transaction Impact: A difference of 582.60 CNY purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1.1001

1.0041

JanuMarcMayJulySeptNove

HRK to CNY Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 1.0288, compared to 1.0597 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0309 points.

H1 Avg (Jan–Jun) 1.0288

H2 Avg (Jul–Dec) 1.0597

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 0.0635 CNY (High: 1.1113 / Low: 1.0478). On the other end, November was the most stable month, with a tight range of 0.0138 CNY (High: 1.0413 / Low: 1.0275).

July Spread (Volatile) ±0.0635

November Spread (Stable) ±0.0138

Growth Streaks & Declines

Trends

Between April and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between August and September, when the average rate fell by 0.0273 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0273

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2020: 1.0670) against the same month in 2019 (average: 1.0439), the exchange rate shifted by +0.0231 (+2.21%).

2020 Avg (July) 1.0670

2019 Avg (July) 1.0439

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.0488	1.0226	1.0329
February	1.0433	1.0148	1.0246
March	1.0557	0.9948	1.0268
April	1.0206	1.0042	1.0121
May	1.0440	1.0107	1.0233
June	1.0647	1.0439	1.0530
July	1.1113	1.0478	1.0670
August	1.1066	1.0820	1.0921
September	1.0817	1.0512	1.0649
October	1.0575	1.0297	1.0446
November	1.0413	1.0275	1.0341
December	1.0637	1.0471	1.0557